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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,006 | $75,832-61.8% | $147,617-80.4% | $59,633-51.4% |
| Participation rate | 96.4% | 71.6%+24.9pp | 84.6%+11.8pp | 68.7%+27.8pp |
| Annual return | -0.05% | 0.37%-0.4pp | 61.98%-62.0pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $1,641 | $3,485-52.9% | $5,564-70.5% | $2,203-25.5% |
| Participant deferral / active EE | $2,346 | $3,131-25.1% | $4,895-52.1% | $3,192-26.5% |
| Admin fee / account holder | $1,671 | $5,986-72.1% | $11,612-85.6% | $4,297-61.1% |